Re: Take the myFICO Fitness Challenge 2016

I am a bit late to this challenge, but I figured that I'd bite the bullet and begin.

After jumping right into "adulting" but not understanding credit, I was 18 years old with 3 credit cards. As the years passed, I had student loans, 3 auto loans (including one that was voluntarily repossessed) on my credit. At the beginning of this year, my husband and I decided to file chapter 7 bankruptcy for fresh start.

My initial credit score (before bankruptcy) was roughly 450, it is now 560. My bankruptcy is discharged, I have 1 credit card through NFCU ($500) and of course my student loans (but I am still a Grad student so they are in good standing). I no longer have an auto loan, I have a car that is paid for.

My goal is to get to a 700 credit score, through making on-time payments on all of my bills, and by also making SMART financial decisions. I oneday, hopefully within the next year or two, hope to purchase a home.

Been rebuilding since 2/16/16 after BK7 was final, my scores started in the low 500's and now pushing mid 600's. It is a slow grinding process to get back to some kind of normalcy, but with hard work and watching every financial move you make closely nirvana can be acheived. So I'm 6 months in to my rebuild and I have reestablished with a balanced amount of CC's, personal loans and Dept Store cards along with keeping my Utility below 10% and I'm seeing my scores climb slowly but surely. Hope to join the 700 plus club by the 12 month post BK mark.

Re: Take the myFICO Fitness Challenge 2016

Hello everyone :-) I'm somewhat late to this, but figured I would join! I am in the process of cleaning up my credit from my ex husband. I started in the low 500's and am almost at 700 now which is amazing considering I had a house go in to foreclosure and shared credit cards that were maxed out (thankfully my name is off all of it now). I have 3 major credit cards that I use, and I pay them off whenever a balance shows up. My goal is to get in to the high 700's. I've also decided to forego opening any new credit cards and only do SP's for CLI's at least for the next year. I'm in a good place with my credit and I know it can only get better!

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